SWPPX vs VTI
SWPPX vs VTI
Schwab S&P 500 Index Fund vs Vanguard Total Stock Market ETF
Quick Verdict
SWPPX has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | SWPPX | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.02% | 0.03% | |
| AUM | $142.8B | $663.5B | |
| Dividend Yield | 1.01% | 1.07% | |
| Holdings | 502 | 3,543 | |
| YTD Return | +11.55% | +13.57% | |
| 1Y Return | -79.97% | +24.23% | |
| 3Y Return (annualized) | -34.34% | +20.73% | |
| 5Y Return (annualized) | -22.11% | +12.24% | |
| Volatility (annualized) | 40.5% | 15.3% | |
| Max Drawdown | -83.7% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | May 19, 1997 | May 24, 2001 |
SWPPX vs VTI Performance
Schwab S&P 500 Index Fund (SWPPX) is a mutual fund from Charles Schwab Asset Management and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SWPPX returned -79.97% while VTI returned +24.23%. Year to date, SWPPX is up 11.55% versus a gain of 13.57% for VTI.
Over three years, SWPPX compounded at -34.34% per year against +20.73% for VTI; over five years the annualized figures are -22.11% and +12.24% respectively. Across the full 5-year window we track, VTI has the edge at +8.12% annualized vs -22.11%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SWPPX has been the more volatile fund, with annualized monthly volatility of 40.5% compared with 15.3% for VTI. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -83.7% for SWPPX and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.33. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SWPPX charges 0.02% per year while VTI charges 0.03%. On a $10,000 position that is $2 vs $3 annually, a gap of $1 per year that compounds over a long holding period. On income, SWPPX currently yields 1.01% against 1.07% for VTI.
Holdings Overlap
SWPPX and VTI share 458 holdings out of 2825 unique holdings combined, representing a 77.5% weight overlap.
High overlap means holding both may not provide much additional diversification.
Top Shared Holdings
| Stock | Weight in SWPPX | Weight in VTI | Difference |
|---|---|---|---|
| NVDA | 7.80% | 6.32% | 1.48% |
| AAPL | 6.44% | 5.84% | 0.60% |
| MSFT | 5.37% | 3.81% | 1.56% |
| AMZN | Pro | Pro | Pro |
| GOOG | Pro | Pro | Pro |
| AVGO | Pro | Pro | Pro |
| META | Pro | Pro | Pro |
| TSLA | Pro | Pro | Pro |
| LLY | Pro | Pro | Pro |
| BRK.B | Pro | Pro | Pro |
See all 10 holdings SWPPX shares with VTI Exact weights in each fund and the difference, for every overlapping position. Get FundXLS Pro: $29/moFirst 500 subscribers, then $49/mo. Cancel anytime. | |||
Frequently Asked Questions
Which is cheaper, SWPPX or VTI?
SWPPX has an expense ratio of 0.02% while VTI charges 0.03%. SWPPX is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, SWPPX or VTI?
Over the past year SWPPX returned -79.97% vs +24.23% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (5 years), SWPPX annualized -22.11% vs +8.12% for VTI. Past performance does not guarantee future results.
Which is riskier, SWPPX or VTI?
SWPPX has been the more volatile fund at 40.5% annualized versus 15.3% for VTI. Worst drawdown: SWPPX -83.7% vs VTI -56.6%.
Should I hold both SWPPX and VTI?
SWPPX and VTI have a monthly-return correlation of 0.33, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SWPPX and VTI?
SWPPX and VTI share 458 common holdings with a 77.5% weight overlap. Combined, they hold 2825 unique securities.
Which pays a higher dividend, SWPPX or VTI?
SWPPX yields 1.01% while VTI yields 1.07%, so VTI currently pays the higher dividend yield.
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